I respectfully disagree with your statement that "Social Security benefits are not taxable unless you have other income." In general, for many people, this is true. However, as a blanket statement for all people, as I understand it, this is not true. It depends upon how much one receives in Social Security benefits and how one files.
Refer to https://www.irs.gov/pub/irs-pdf/n703.pdf
Case 1: If Social Security benefits are greater than 50,000 and filing single, then the benefits may be taxable. This is likely to happen if someone received any lump-sum benefit payments,or they were a very high earner during a long working career. I personally have experienced the lump sum situation.
Case 2: If one files married separately, and line e is greater than zero then the benefits may be taxable.
This could actually be the case in this person's question. The questioner does not state this info.
Agree? Disagree? I am open to comments.
